What can a candidate do to dispute information that has shown up on their background report that they feel is inaccurate?
Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.
For more help with this process, please visit the Federal Trade Commission’s Consumer Information page on Employment Background Checks.
What are consumer disputes?
The phrase “consumer dispute” encompasses broad areas of the law involving a challenge that a consumer may have against a retailer, a manufacturer, a wholesaler, or any company selling a product or a service. There are a number of state and federal laws and regulations that protect consumers. For example, a few of the federal statutes are: The Fair Credit Reporting Act; Truth in Lending Act, Fair Debt Collection Act; Consumer Credit Protection Act; and the Identity Theft and Assumption Deterrence Act. There are also several state and federal agencies that attempt to protect consumers, e.g., the Federal Trade Commission (FTC) and state Offices of Attorneys General.